Contractors Credit Premium Adjustment Program (CCPAP) FAQs

What is the CCPAP?

The Contractors Credit Premium Adjustment Program provides a premium credit for construction industry employers who pay high hourly wages. It applies only to the construction class codes -- it does not apply to office workers or other non-construction employees.

Who is eligible?

Every Missouri employer who has workers compensation premium in one of the contracting classification codes. This includes any company that erects, demolishes, alters or repairs structures, and includes carpenters, plumbers, electricians, roofers, painters, landscapers, welders, machinery installers, concrete construction workers, earthmovers or drillers.

"Contracting classifications" for MCCPAP are those with the following NCCI job classification numbers:

NCCI contracting classification codes

0042

5057

5215

5472

5538

6204

6251

7611

0050

5059

5221

5473

5551

6206

6252

7612

1322

5067

5222

5474

5606

6213

6260

7613

3365

5069

5223

5478

5610

6214

6306

7855

3719

5102

5348

5479

5645

6216

6319

8227

3724

5146

5402

5480

5651

6217

6325

9534

3726

5160

5403

5491

5703

6229

6400

9554

5020

5183

5437

5505

5705

6233

7380*

5022

5188

5443

5506

6003

6235

7538

5037

5190

5445

5515

5005

6236

7601

5040

5213

5462

5537

6045

6237

7605

(*Note: Code 7380 may be used only on policies where more than 50 percent of the total premium is produced by one or more of the contracting classifications listed.)

How do I apply for the credit?

If your workers compensation policy has one of these construction classification codes, your insurer will automatically send you the form. If you have not received a form by your policy renewal date, contact your insurer. You must submit your form within 180 days from the date your policy renews or begins. The application form must be submitted to the National Council of Compensation Insurance (NCCI) for calculation. The address for the NCCI is:

How much of a credit can I get?

The amount of your credit depends on how your average hourly wage compares to the state average hourly wage.

There is a mathematical formula that is used to calculate the exact credit applicable to each policy. The calculation is generated by the NCCI based upon the payroll information supplied by the insured. If, after receiving notification of the credit to be applied, there are questions as to how the credit was calculated, the NCCI can be reached at 800-622-4123.

To assist consumers in estimating what credit they may receive through this program, this table of credits has been prepared. Please remember that this table is only a rough estimate of the credit you may receive. The amount of your actual credit will be calculated by the NCCI, based on your business's average wage levels - broken down by class code.

Estimated premium credits
for 2011 and 2010
The credits are only rough estimations of what credit may be applied.
The actual credit you may receive will vary slightly from these estimations.

Average hourly wage

2011

2010

$18.00 to $18.49

0.0%

0.0%

$18.50 to $18.99

0.0%

0.0%

$19.00 to $19.49

0.8%

0.1%<

$19.50 to $19.99

2.6%

1.8%

$20.00 to $20.49

4.2%

3.5%

$20.50 to $20.99

5.8%

5.1%

$21.00 to $21.49

7.3%

6.7%

$21.50 to $21.99

8.8%

8.1%

$22.00 to $22.49

10.1%

9.5%

$22.50 to $22.99

11.4%

10.8%

$23.00 to $23.49

12.7%

12.1%

$23.50 to $23.99

13.9%

13.3%

$24.00 to $24.49

15.1%

14.5%

$24.50 to $24.99

16.2%

15.6%

$25.00 to $25.49

17.2%

16.7%

$25.50 to $25.99

18.3%

17.7%

$26.00 to $26.49

19.3%

18.7%

$26.50 to $26.99

20.2%

19.7%

$27.00 to $27.49

21.1%

20.6%

$27.50 to $27.99

22.0%

21.5%

$28.00 to $28.49

22.8%

22.4%

$28.50 to $28.99

23.7%

23.2%

$29.00 to $29.49

24.5%

24.0%

$29.50 to $29.99

25.2%

24.8%

$30.00 to $30.49

26.0%

25.5%

$30.50 to $30.99

26.7%

26.2%

$31.00 to $31.49

27.4%

26.9%

$31.50 to $31.99

28.0%

27.6%

$32.00 to $32.49

28.7%

28.3%

$32.50 to $32.99

29.3%

28.9%

$33.00 to $33.49

29.9%

29.5%

$33.50 to $33.99

30.5%

30.1%

$34.00 to $34.49

31.1%

30.7%

$34.50 to $34.99

31.7%

31.3%

$35.00 to $35.49

32.2%

31.8%

$35.50 to $35.99

32.7%

32.3%

$36.00 to $36.49

33.3%

32.9%

$36.50 to $36.99

33.8%

33.4%

$37.00 to $37.49

34.2%

33.9%

$37.50 to $37.99

34.7%

34.3%

$38.00 to $38.49

35.2%

34.8%

$38.50 to $38.99

35.6%

35.3%

$39.00 to $39.49

36.1%

35.7%

$39.50 to $39.99

36.5%

36.1%

$40.00 and over

Varies

Varies

Average weekly wage

$761.06

$769.03

Average hourly wage

$19.03

$19.23

Do I have to fill out the form?

You should fill out the form to see if you qualify for the credit. If your average hourly wage is under $18, you do not have to submit the form. You will still get a form next year.

What time period is used to calculate the CCPAP?

Generally, if you had a policy last year, you will use last year's third quarter (July to September) payroll to calculate your average wage, excluding wages of executive officers, sole proprietors or partners. If you did not work during the third quarter, you will use payroll information for the last complete quarter you worked.